We'll Meet by Accident -- Does coverage cover you?

Could you clarify the difference between collision physical damage coverage and comprehensive physical damage coverage?

Donna, Plymouth
Lisa Julius, Karen Cloran and Dawn Foley

Could you clarify the difference between collision physical damage coverage and comprehensive physical damage coverage?

Donna, Plymouth

Most people are more familiar with collision physical damage coverage than any other portion of their insurance policy. Collision physical damage coverage pays for a loss resulting from colliding with another vehicle or object or if the vehicle rolls over. If you are involved in an auto accident, this portion of your policy will pay for damages to your automobile.

Comprehensive physical damage coverage is a little different. It protects you from loss to your vehicle for most other direct physical damages you might incur. If your car catches fire, is stolen or vandalized, this portion of your policy would cover your loss. Comprehensive coverage will also cover a loss due to weather conditions such as hailstorms, floods, etc. If you hit a deer, it would also probably be considered a comprehensive claim.

Your lien holder may require you to maintain both collision and comprehensive coverage on your policy for the life of the loan. Just like collision physical damage insurance, comprehensive insurance has different deductible amounts to choose from, typically $300, $500 or $1,000. To keep your policy premiums low, choose a higher deductible payment. Your insurance company will pay for the damages less any applied deductible.

Always read your specific policy, as some insurance companies may have some exceptions to coverage that others may not. Be sure to effectively communicate your insurance needs to your insurance agent. He or she is the best person to help you pick what types of insurance to purchase. Give “what if” scenarios so you can both better understand your insurance needs.

We hope we have given you the basic differences between collision and comprehensive coverage. For further more detailed information consult your insurance agent.

We Can Help! E-mail your questions to info@kingcollision.com. Dawn, Karen and Lisa have 16 years combined experience at King Collision Center Inc., guiding customers through the collision repair and insurance claims process.